OSHC Family & Couple Price Calculator
Compare Overseas Student Health Cover premiums across all 5 providers — for single, couple, and family cover. Select your visa duration and see the exact total cost side by side.
Cover type
Visa duration
Showing single cover for 12 months
| Provider | Monthly avg. | Total cost | Apply |
|---|---|---|---|
| ahm Cheapest | AUD 52 /mo avg. | Apply → | |
| Allianz Care Cheapest | AUD 67 /mo avg. | Apply → | |
| Bupa Cheapest | AUD 63 /mo avg. | Apply → | |
| Medibank Cheapest | AUD 64 /mo avg. | Apply → | |
| nib Cheapest | AUD 57 /mo avg. | Apply → |
Prices in AUD, 2026 rates. Proportionally calculated for durations other than 12 months (OSHC is priced per day). Always confirm the final premium on the provider website before purchase.
Frequently Asked Questions
Which OSHC provider is cheapest for couples?
Allianz Care is the cheapest OSHC provider for couples at AUD 4,597 per year (2026). That is about AUD 383/month. nib is the most expensive for couples at AUD 5,335/year.
Which OSHC provider is cheapest for families?
Allianz Care is cheapest for family OSHC at AUD 8,917/year (2 adults + unlimited dependent children). Bupa costs AUD 11,500/yr and nib AUD 13,895/yr for family cover.
Do partners and children need their own OSHC policy?
No. Partners (spouses or de-facto) and dependent children can all be added to a single couple or family OSHC policy. All covered people are listed on one certificate, which satisfies the Australian student visa requirement.
How is OSHC priced for longer visa durations?
OSHC is priced per day, so a 24-month cover costs exactly double the 12-month rate. There are no bulk discounts for longer terms — the daily rate stays the same across all durations.
Can I upgrade from single to family OSHC mid-visa?
Yes. You can upgrade your cover type at any time by contacting your provider. You will pay the pro-rated difference for the remaining period. There are no penalties for upgrading.
Compare all OSHC plans in detail
See hospital cover, specialist limits, waiting periods, and more — side by side.
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